Terms & Conditions

These Terms and Conditions ("Terms") govern your access to and use of the Creddy mobile application (the "App") and related services (collectively, the "Services"), operated by Brewapps LLC ("Creddy", "we", "us", or "our"). By downloading, installing, or using the App, you agree to be bound by these Terms.

If you do not agree to these Terms, do not use the Services.

1. Acceptance of Terms

Your use of the Services constitutes your acceptance of these Terms and of our Privacy Policy. We may update these Terms from time to time as described in Section 17.

2. Service Description

Creddy is an app for iOS, Android, and the web that helps you track credit card benefits, statement credits, welcome bonuses, and reset windows. The App aggregates publicly available information about credit cards and provides tools to help you keep track of what you've used and what remains.

Creddy is not a financial advisor. The information in the App is for general informational purposes only and does not constitute financial, tax, legal, or investment advice. Always verify benefit terms with your card issuer before relying on them, and consult a qualified professional for advice specific to your situation.

2.1 Auto-tracking

Auto-tracking is an optional feature, included in eligible plans where it is available. If you turn it on, you link a US credit card account through Plaid. The connection is read-only. Creddy is not your bank or card issuer, and it cannot move money, make payments, or change anything in your account.

Creddy uses the linked account's activity to find posted statement credits. A credit that clearly matches a card benefit is counted automatically, and you can undo it. Other matches are suggestions that wait for you to confirm. Automatic counts and suggestions are estimates and can be wrong. Your issuer's records decide what posted and what qualifies.

You can disconnect a linked account in Creddy at any time. Our Privacy Policy describes the information we receive from a linked account and how long we keep it.

3. Eligibility

You must be at least 13 years of age to use the Services. By using the Services, you represent and warrant that you meet this age requirement, that you have the legal capacity to enter into these Terms, and that you will use the Services in accordance with these Terms.

4. Your Account

To access certain features, you must create an account. You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activity that occurs under your account
• Notifying us promptly at hello@thebrewapps.com of any unauthorized use of your account

You may have only one personal Creddy account. We reserve the right to refuse service, terminate accounts, or remove content at our discretion.

5. Subscriptions - Creddy Pro

Creddy offers optional premium features through Creddy Pro. Monthly and yearly plans are auto-renewing subscriptions. You can buy a plan through the Apple App Store, Google Play, or web checkout on getcreddy.com. The following terms apply to all subscription purchases:

• Payment for the subscription will be charged at confirmation of purchase to your Apple Account, your Google Play account, or the payment method you enter at web checkout.
• Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current subscription period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period, at the cost of the chosen subscription tier.
• You manage a subscription, and turn off auto-renewal, in the channel you bought it through: your Apple Account settings for App Store purchases, Google Play subscriptions for Google Play purchases, and Settings > Subscription in your Creddy account on the web for web checkout purchases. Cancelling in one channel does not cancel a subscription bought through another.
• No cancellation of the current subscription is allowed during an active subscription period.
• Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription where applicable.
• We do not provide refunds for any unused portion of a subscription term upon cancellation. Refund requests for App Store purchases are handled by Apple, and for Google Play purchases by Google, under their then-current refund policies. For a web checkout purchase, contact us at the address in Section 18.

Pricing and subscription tiers are disclosed in the App, in the store, and at web checkout at the time of purchase. We may change pricing for future renewal periods.

5.1 Lifetime

Lifetime is a one-time purchase, not a subscription. It does not renew and there is nothing to cancel. A Lifetime plan includes Auto-tracking only when the purchase screen says so. A Lifetime plan bought before Auto-tracking was offered includes the other Creddy Pro features but not Auto-tracking.

6. Acceptable Use

You agree not to:

• Scrape, harvest, or otherwise programmatically extract data from the Services
• Reverse-engineer, decompile, or attempt to derive source code from the App
• Resell, redistribute, sublicense, or commercially exploit the Services without our written permission
• Use the Services to violate any law, regulation, or third party's rights
• Interfere with or disrupt the integrity or performance of the Services
• Attempt to gain unauthorized access to the Services or to other users' accounts

7. User Content

Anything you create within the App - including benefit-usage logs, notes, and preferences - belongs to you. You grant Brewapps LLC a limited, non-exclusive, royalty-free license to store, process, and display your content within the App so that we can provide the Services. We do not use your content for any other purpose.

8. Intellectual Property

The Creddy app, brand, logo, design, source code, benefit catalog, and all related materials are owned by Brewapps LLC and are protected by intellectual property laws. We grant you a limited, non-transferable, non-exclusive license to use the App for personal, non-commercial purposes only. All rights not expressly granted are reserved.

Card issuer names, logos, and brand marks shown in the App are the property of their respective owners. Their inclusion does not imply endorsement or affiliation.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF INFORMATION.

While we work hard to keep the benefit catalog accurate, we cannot guarantee that all information is current, complete, or error-free. Credit card issuers may change, suspend, or discontinue benefits without notice. You are responsible for verifying any benefit with your card issuer before relying on it.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL BREWAPPS LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, ARISING FROM YOUR USE OF THE SERVICES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) FIFTY U.S. DOLLARS (USD $50). THIS LIMITATION DOES NOT APPLY TO DAMAGES CAUSED BY OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OR WHERE LIMITATION IS PROHIBITED BY APPLICABLE LAW.

11. Indemnification

You agree to indemnify and hold harmless Brewapps LLC, its officers, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your misuse of the Services, or your infringement of any third-party right.

12. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-law principles.

13. Dispute Resolution and Arbitration

Please read this section carefully - it affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be conducted in Wilmington, Delaware, in English.

Class action waiver: You and Brewapps LLC agree to bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

Notwithstanding the foregoing, either party may bring a claim in small-claims court for disputes within that court's jurisdiction.

14. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason - including violation of these Terms. You may delete your account at any time via the Profile screen inside the App. Upon termination, your right to use the Services ends immediately; provisions of these Terms that by their nature should survive will continue to apply (including Sections 8, 9, 10, 11, 12, and 13).

15. Apple-Specific Terms

If you obtained the App from the Apple App Store, the following additional terms apply:

• These Terms are between you and Brewapps LLC only, not with Apple. Apple is not responsible for the App or its content.
• Your license to use the App is non-transferable and limited to use on Apple-branded products that you own or control, as permitted by the App Store Terms of Service.
• Apple has no obligation to provide maintenance or support for the App.
• In the event the App fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce these Terms against you.

16. YouTube

Creddy publishes explainer videos on YouTube, and some may play on our site through YouTube. When you watch them, the YouTube Terms of Service apply, and Google's handling of data is described in the Google Privacy Policy. The Creddy app does not use YouTube API Services to access your YouTube or Google account.

17. Changes to These Terms

We may revise these Terms from time to time. Changes are posted to this page. Your continued use of the Services after a material change takes effect constitutes acceptance of the revised Terms. The "Last updated" date at the top of this page indicates the most recent revision.

18. Contact

If you have questions about these Terms, please contact:

Brewapps LLC
Email: hello@thebrewapps.com